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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $33,556 | $60,442-44.5% | $96,754-65.3% | $87,485-61.6% |
| Participation rate | 22.7% | 58.7%-36.0pp | 70.3%-47.5pp | 68.9%-46.2pp |
| Annual return | 15.22% | 21.97%-6.8pp | 82.04%-66.8pp | 26.06%-10.8pp |
| Employer contribution / active EE | $577 | $1,691-65.9% | $2,679-78.5% | $2,596-77.8% |
| Participant deferral / active EE | $1,826 | $3,280-44.3% | $4,758-61.6% | $4,274-57.3% |
| Admin fee / account holder | $1,345 | $5,069-73.5% | $8,905-84.9% | $7,775-82.7% |